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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,641 | $35,986+1.8% | $77,552-52.8% | $73,497-50.1% |
| Participation rate | 30.1% | 40.8%-10.7pp | 54.2%-24.1pp | 70.7%-40.6pp |
| Annual return | 30.25% | 19.26%+11.0pp | 54.82%-24.6pp | 28.51%+1.7pp |
| Employer contribution / active EE | $634 | $557+13.8% | $987-35.7% | $2,270-72.1% |
| Participant deferral / active EE | $723 | $1,198-39.6% | $1,861-61.2% | $3,740-80.7% |
| Admin fee / account holder | $562 | $466+20.7% | $2,859-80.3% | $513+9.6% |